Long-Term Financing
Stable, multi-year funding designed to position your business for real growth.
Long-term financing provides businesses with strong credit a structured, multi-year loan at some of the most competitive rates available. This product is ideal for expansion, large investments, refinancing, improving cash flow, or any strategic initiative that requires predictable monthly payments.
Because of the attractive terms and low rates, qualification standards for this product are significantly higher and require comprehensive documentation. For well-qualified businesses, however, it offers one of the most powerful and cost-effective financing options on the market.
(No collateral, no IRS guarantee. For holders of a credit score of 750+)
What Determines Your Offer
- Lenders evaluate multiple pillars of business strength:
- Industry type
- Intended use of funds
- Credit score and history
- Business profitability and financial stability
- Current liabilities
Questions to Consider
- Is your credit high enough?
- Are you currently paying on a term loan?
- Have you successfully paid off past term loans?
- How do you plan to use your long-term capital?
Required Documents
- (This product has the highest documentation requirements among our offerings.)
- 6 months of recent business bank statements
- Last 2 years of business tax returns + 1 year personal
- Full debt schedule
- Personal financial statements (updated within 60 days)
- For deals over $800,000: balance sheet + profit & loss
Good to Know
- Approvals typically take 2–3 weeks, due to strict underwriting
- Term loans offer the lowest rates available across our products
- If you don’t qualify today, we’ll identify the reasons and build a plan to get you approval-ready in the future
How It Works
- Designed for businesses with strong credit and solid financials
- Competitive rates ranging from 7.9%–24.99%
- Fixed monthly payments
- Terms from 1 to 5 years
- Ideal for long-range planning, expansions, acquisitions, and refinancing